Is VRITTI really free?

Yes — VRITTI’s free tier is free forever. Unlimited transactions, real-time P&L, crisis challenges, the first 2 Academy lessons per module, and 3 AI queries/month. No credit card. No trial-that-converts-silently. If you’re in financial crisis, everything you need to stabilise is free.

How is VRITTI different from other finance apps?

Every other finance app starts with your numbers. VRITTI starts with how you feel about your numbers. VRITTI asks one question before you see a single transaction — and your answer reshapes everything: which challenges appear, how the app talks to you, what success looks like for you. VRITTI was built for the 80% of people that fintech forgot.

What is the best finance app for money anxiety?

VRITTI was built specifically for people with money anxiety — the anxious, the avoidant, the starting-over. It is the first personal finance app with emotional onboarding, a dedicated Crisis mode, a shame-free challenge system, and language that never punishes you for looking away.

Is VRITTI a Mint alternative?

Yes. Mint was discontinued by Intuit on March 23, 2024. VRITTI is a Canadian-built alternative designed for people with financial anxiety, with emotional onboarding, a free-forever tier, 16 Academy modules, and real CRA tax support (HST/GST/QST). Unlike Mint, VRITTI was built around the emotional relationship with money — not just the numbers.

How does VRITTI compare to YNAB?

YNAB is zero-based budgeting for disciplined planners. VRITTI is emotional-first financial wellness for people who feel anxious about money. YNAB costs $14.99 USD/month with a 34-day trial; VRITTI has a free-forever tier and $9.99 CAD/month for Pro. VRITTI replaces "broken streak" guilt mechanics with a streak that pauses but never breaks.

What if I am in a really bad financial situation?

Then VRITTI was built for you specifically. The Crisis challenge category, the debt-recovery Academy modules, and the one-day "Just Look" challenge are all designed for people who are stabilising. No judgment, no "you should have done this sooner." The crisis tier is free forever.

Does VRITTI work for couples?

Yes. VRITTI was built with couples in mind from day one: dedicated couples challenges, the "Money Between Us" Academy module, and shared financial spaces where partners see each other’s cash flow without surrendering privacy. The goal is a shared language, not a shared password.

Is VRITTI available in the United States?

VRITTI is launching in Canada first (full CRA tax support included). US expansion is planned for 2026. If you are in the US, join the waitlist — we will email you the moment the US app is ready.

When does VRITTI launch?

VRITTI launches in 2026. Early-access users on the waitlist get invited first — iOS and Android — before the public rollout.

Does VRITTI connect to Canadian banks?

Yes. VRITTI connects to every major Canadian bank (RBC, TD, BMO, Scotiabank, CIBC, National Bank, Tangerine, Desjardins, EQ Bank, and credit unions) via read-only bank feeds. Bank connections are included in every plan — including the free tier. Always.

Does VRITTI have an iPhone app?

Yes. VRITTI ships on iOS 16+ and Android 12+. Desktop access is planned for 2026. The app is designed mobile-first because that is where financial anxiety most commonly hits — a notification, a statement, a number that feels too heavy.

How much does VRITTI cost?

The free tier is $0 forever. Pro is $9.99 CAD/month (early-bird; reserved before Pro opens). Pro unlocks unlimited AI queries, all 16 Academy modules (80 lessons), unlimited bank connections, receipt scanning, invoicing, and advanced Financial Health Score dimensions.

Is my financial data secure with VRITTI?

VRITTI is built on Supabase’s SOC 2-certified infrastructure. AES-256 encryption at rest. Row-level security. Read-only bank connections via Plaid — VRITTI never sees your login credentials. Your data is never sold to third parties. Period. You can export everything as CSV at any time.

What does VRITTI mean?

VRITTI is a Sanskrit word meaning income or livelihood — the flow of resources through a life. Not a budget. Not a ledger. A flow. Something living, something that moves, something that belongs to you.

Honest side-by-side

VRITTI vs PocketGuard.

PocketGuard simplifies money down to one number: "how much do I have to spend?" At $12.99 USD/month, it’s good for quick discretionary-spending checks. VRITTI goes deeper: emotional-first onboarding, Crisis mode for people stabilising, a 16-module Academy, and a free-forever tier. PocketGuard tells you what you can spend; VRITTI helps you understand why it feels so hard to look.

PocketGuard’s "In My Pocket" metric is clever and useful if you’re already confident with money. Where it falls short: it doesn’t engage with money avoidance, financial shame, debt recovery, or the emotional weight that stops most people from using a finance app in the first place.

Join the waitlist See everything VRITTI does →

VRITTI vs PocketGuard at a glance.

VRITTI compared with PocketGuard
Feature	VRITTI	PocketGuard"In My Pocket" framing · $12.99 USD/mo
Free tier	Free forever	Limited basics
Paid tier	$9.99 CAD/mo	$12.99 USD/mo
Emotional onboarding	Yes	—
Crisis mode	Yes	—
Debt recovery module	Yes	Debt payoff plan
Shame-free framing	Yes	—
Financial Academy	16 modules · 80 lessons	—
AI insights	Yes	—
Couples mode	Yes	—
Canadian tax (HST/GST)	Yes	—

Why people switch to VRITTI.

Deeper than the daily number.

PocketGuard condenses everything into "how much I can spend today." VRITTI asks the prior question: how do you feel about money today? And personalises from there.

Crisis mode that stays free.

PocketGuard has a debt-payoff plan but doesn’t have a full Crisis mode. VRITTI’s Crisis mode (designed for monthly expenses exceeding income) stays free forever — exactly when you can’t afford a subscription.

Couples support built in.

PocketGuard is single-user. VRITTI has a dedicated couples mode with shared spaces and a "Money Between Us" module — on every tier.

VRITTI vs PocketGuard — the real questions.

Is VRITTI like PocketGuard?

Both help you understand your spending, but differently. PocketGuard simplifies to a single number ("In My Pocket"). VRITTI goes broader: emotional state, Crisis mode, couples mode, 16-module Academy, CRA tax support.

Is PocketGuard free?

Only basic features are free. Plus is $7.99/month and Premium is $12.99/month. VRITTI’s free tier is much more generous — unlimited transactions, real-time P&L, crisis challenges, first 2 Academy lessons per module, 3 AI queries/month.

Can VRITTI help with debt like PocketGuard?

Yes. VRITTI has a dedicated Debt Recovery Academy module, a Crisis challenge category, and a debt-specific dashboard view. Available on the free tier.

Does VRITTI have a "safe to spend" number?

Yes, with context. VRITTI shows discretionary cash flow and pairs it with emotional framing appropriate to your mode — not a single anxiety-inducing number you can obsess over.

Is VRITTI better for Canadians than PocketGuard?

Yes. PocketGuard is US-focused. VRITTI supports Canadian banks, HST/GST/QST by province, quarterly filing, Input Tax Credits, CPP, and T2125 categories.

your starting point is valid

One number is a start. VRITTI goes deeper. Come over.

SOC 2 · AES-256 Built in Canada Free tier forever